Find the right financing with someone in your corner.
Running a business takes grit, heart, and a whole lot of decisions. When money becomes one of them, you deserve a partner who makes things easier. IOU Financial delivers fast and flexible small business financing options so you can focus on the work only you can do.
What we offer:
Every business has different needs, and IOU Financial makes it easy to find the right fit. From short-term funding to longer-term growth capital, our financing options are built to help you stay on track, manage cash flow, and reach your goals.
Compare small business lending options.
Loan comparison
IOU term loan
Traditional bank
Merchant cash advance (MCA)
IOU term loan
Traditional bank
Merchant cash advance (MCA)
Estimate payments before you apply.
Move the sliders to estimate payments based on your loan amount and term.
Our business loan rates range from 1.50-4.00% per month depending on the industry, operator, FICO score, cash flow and other risk factors. For this illustration, we used a standard average calculation based on a 12-month loan with an average IOU risk score at 2.15% per month. If you pay the loan off early, there is a discount on the total repayment amount. If you refinance the loan with IOU, you can qualify for a larger prepayment discount.
Choose a term. Shorter terms = lower cost.
Pick the schedule that works for your business.
Disclaimer: This calculator provides an estimate for illustrative purposes only and does not constitute an offer, approval, or commitment to lend. Actual terms depend on credit review and underwriting.
$0 weekly
Estimate includes standard fees
When you treat small businesses right, the impact adds up.
We believe in doing what is best for business owners. In our 15 years, that approach has helped deployed $1.9B in loans, which has generated an estimated $6.5B in economic impact and created ~41,000 jobs.
Capital deployed
Comprising of more than 17,000 loans to small businesses (SMBs).
Incremental U.S. business activity
IOU’s $1.9B in loans deployed for small businesses has generated $6.5B in incremental economic growth.
Jobs created
That growth has employed over 41,000 hard-working individuals across the United States.
Secure your small business funding in 3 simple steps.
Accessing capital shouldn’t be complicated. IOU Financial makes it easy for small business owners to get the working capital they need—without slowing down operations. Our quick, guided process helps you move from application to approval in just a few hours.
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Start by sharing a few details about your business and how you plan to use your funds. It only takes a few minutes to complete our simple online application.
Ready to accelerate your business?
Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.